Professional Office - Heald Insurance

Heald Insurance is Your Professional Office Insurance Expert!!

From very LARGE offices (up to 7 stories) to very SMALL offices we can help you

Here are examples of the types of professional offices we prefer:

Real Estate Sales

Mortgage Loans

Financial Planning

Tax and CPA Firms

Bookkeeping

Property Management

Attorney & Law Offices

Private Investigators

Dental and Orthodonist Offices

Chiropractic Office

Doctors Office

Computer Software

Architectural Design

Consulting Office

In addtion to deciding the approprate amount to insured: the building (for those who own their building), tenant improvements, business personal property, and business liability the following coverages below are part of what come included in our 2 business owner packages. However, we are able to increase many of the limits (marked with an *) if needed.

Typical Retail Coverage Summary

Property Coverages

Typical BOP Basic Limits

Typical BOP Enhanced Limits

Business Income

18 months actual loss sustained

18 months actual loss sustained

Business Income 72-Hour Buyback

Usually enhanced only

Included

Seasonal Automatic Increase - BPP

Additional 25% included

Additional 25% included

Accounts Receivable

$5,000*

$25,000*

Bailee Coverage - Printers

N/A

$25,000*

Bailee Coverage - Dry Cleaners

$100,000*

$200,000*

Bailee Coverage - Repair Shop

$25,000*

$50,000*

Computer Equipment

$10,000*

$25,000*

Arson Conviction Reward

$5,000

$5,000

Fire Department Service Charge

$1,000

$1,000

Fire Extinguisher Recharge

$2,500

$5,000

Increased Cost of Construction

$5,000

$5,000

Mechanical & Equipment Breakdown

Usually enhanced only

Included

Newly Acquired Buildings

$250,000

$250,000

Newly Acquired - BPP

$100,000

$100,000

Outdoor Signs

$2,500*

$7,500*

Personal Property Off Premises

$5,000*

$5,000*

Pollutant Clean-Up & Removal

$10,000*

$10,000*

Premises Boundary

100 feet

1,000 feet

Spoilage Coverage (Food Stores)

$2,500

$25,000

Trees, Shrubs and Plants

$500 / $2,500

$500/ $2,500

Valuable Papers and Records

$5,000*

$25,000*

Crime Coverages

Basic Package Limits

Enhanced Package Limits

Employee Dishonesty

$5,000*

$10,000*

Forgery and Alteration

$2,500

$2,500

Money and Securities - Inside/Outside

$5,000*

$10,000*

Money Orders and Counterfeit Paper Currency

$1,000

$1,000

Let the Heald Insurance help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Professional Office Insurance policyholders.